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With high earning potential in key business categories, travel perks, and robust redemption options, it’s an excellent tool for managing business expenses while earning valuable rewards.
Disclaimer: You will be redirected to the official website.
Benefits of Chase Ink Business Preferred®
- High Rewards Rate: Earn 3X points on the first $150,000 spent in combined purchases on travel, shipping, internet, cable, phone services, and advertising purchases made with social media sites and search engines each year.
- Generous Welcome Bonus: Earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening.
- Flexible Redemption: Points are worth 25% more when redeemed for travel through Chase Ultimate Rewards®.
- Employee Cards at No Additional Cost: Add employee cards for easy expense tracking without incurring extra fees.
- Comprehensive Travel and Purchase Protections: Includes trip cancellation/interruption insurance, purchase protection, and extended warranty coverage.
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Pros
- 3X points on key business categories, allowing for significant rewards on everyday business expenses.
- Valuable welcome bonus, worth $1,250 when redeemed through Chase Ultimate Rewards®.
- Flexible redemption options, including travel, cashback, and transfers to airline and hotel partners.
- Employee cards at no extra cost, simplifying expense management.
- Comprehensive travel and purchase protections, adding peace of mind for business owners.
Cons
- $95 annual fee, which may deter budget-conscious business owners.
- Spending cap on 3X categories, limited to the first $150,000 annually.
- No intro APR offer, less appealing for those seeking balance transfer or financing options.
- High spending requirement to earn the welcome bonus.
- Good to excellent credit required for approval.
about the card
The Chase Ink Business Preferred® Credit Card is an exceptional choice for business owners looking to maximize rewards on essential expenses. With 3X points on the first $150,000 spent annually in categories such as travel, shipping, and online advertising, the card offers significant earning potential for businesses with high operational costs. Additionally, the 100,000-point welcome bonus, worth $1,250 when redeemed through Chase Ultimate Rewards®, provides a compelling incentive for new cardholders to get started.
One of the card’s standout features is its flexible redemption options through Chase Ultimate Rewards®. Points can be used for travel, cashback, gift cards, or transferred to over a dozen airline and hotel loyalty programs, allowing cardholders to tailor rewards to their needs. The ability to maximize points value by redeeming for travel at a 25% higher rate through Chase Ultimate Rewards® makes it particularly attractive for businesses with frequent travel requirements.
Beyond rewards, the card offers a suite of comprehensive protections to support business operations and travel. Features like trip cancellation/interruption insurance, cell phone protection, and purchase protection add significant value, ensuring security and peace of mind. With its robust earning potential, versatile redemption options, and protective benefits, the Chase Ink Business Preferred® Credit Card is a powerful asset for growing businesses.
How to Apply for chase ink business preferred
- Visit the Chase Website: Navigate to the official card page.
- Review Card Features: Ensure the card aligns with your business needs and goals.
- Complete the Application Form: Enter your business and personal information as required.
- Submit the Application: Verify and apply.
- Await Approval: Chase typically provides instant decisions, though some applications may require further review.
Disclaimer: You will be redirected to the official website.
flexible redemption with chase ultimate rewards
One of the standout features of the Chase Ink Business Preferred® Credit Card is its flexible redemption options through Chase Ultimate Rewards®. Points are worth 25% more when redeemed for travel, and you can also transfer them to over a dozen airline and hotel partners, providing exceptional value for business and personal travel.
Benefits Breakdown
| Feature | Details |
|---|---|
| Annual Fee | $95 |
| Rewards Rate | 3X points on travel, shipping, internet, cable, phone services, and online advertising (up to $150,000/year); 1X on other purchases |
| Welcome Bonus | 100,000 points after spending $8,000 in the first three months |
| Redemption Value | 25% more when redeemed for travel through Chase Ultimate Rewards® |
| Employee Cards | Available at no extra cost |
| Travel Protections | Trip cancellation/interruption insurance, primary rental car insurance |
COMPREHENSIVE TRAVEL AND PURCHASE OPTIONS
The card includes trip cancellation/interruption insurance, covering up to $5,000 per person and $10,000 per trip for prepaid travel expenses. Additional benefits include cell phone protection, purchase protection, and extended warranty coverage, making it a reliable choice for business owners on the go.
How to Improve Your Credit Score to Get Approved for the CHASE INK BUSINESS CARd
If you’re planning to apply for the Chase Ink Business Preferred® Credit Card, consider these steps to improve your credit score:
- Pay Bills on Time: Ensure consistent, on-time payments to build a positive credit history.
- Keep Credit Utilization Low: Use less than 30% of your available credit.
- Monitor Your Credit Report: Check for errors and resolve inaccuracies promptly.
- Limit Hard Inquiries: Avoid applying for multiple credit products within a short period.
- Maintain Older Accounts: Lengthen your credit history by keeping older accounts open.
A good credit score increases your chances of approval and unlocks better financial opportunities.
FINAL CONSIDERATIONS
The Chase Ink Business Preferred® Credit Card is an outstanding option for business owners seeking a credit card that combines high rewards potential with valuable travel and purchase protections. Its 3X points on key business categories like travel, shipping, and online advertising provide substantial earning opportunities, making it ideal for businesses with significant operational expenses. Additionally, the 100,000-point welcome bonus, worth $1,250 when redeemed through Chase Ultimate Rewards®, offers immediate value for new cardholders.
While the $95 annual fee and high spending threshold for the welcome bonus may not appeal to all users, these costs are easily offset by the card’s rewards potential and comprehensive benefits. The ability to redeem points through Chase Ultimate Rewards® for travel at a 25% higher value or transfer them to airline and hotel loyalty programs adds flexibility and makes the card especially appealing to frequent travelers.
For business owners who want to streamline expenses, earn valuable rewards, and enjoy added perks like trip cancellation/interruption insurance and cell phone protection, the Chase Ink Business Preferred® Credit Card is a well-rounded solution. Its robust features, coupled with its competitive rewards structure, make it a valuable tool for growing businesses looking to maximize their financial potential.